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Home / Capital / Brokers Calls

Is the model of digital-only banks broken? UOB KH seems to think so

Broker's Calls

Is the model of digital-only banks broken? UOB KH seems to think so

Felicia Tan Published on Wed, Jan 13, 2021 / 5:03 PM GMT+8

UOB Kay Hian Research analyst Jonathan Koh has maintained overweight on the Singapore banking sector amid the entry of digital-only banks.

“The odds are against digital-only banks achieving sustainable profitability because customers are demanding and prefer to be served on an omni-channel basis through both online apps and face-to-face interactions at physical branches,” says Koh in a report dated Jan 12.

The number of digital-only challenger banks has increased at a compound annual growth rate (CAGR) of 26% since 2010, and it has expanded three-fold since 2015.